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| Provider | Service type | Compensation |
|---|---|---|
Filed as: COMMONWEALTH EQUITY SERVICES LLC DB Service code 27 29 SAWYER RD · WALTHAM, MA 024533483 | Advisory (Plan) | $27,661 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $14,574 |
ALLARD & FISH1 year Filed as: ALLARD NAZARIAN GROUP INC Service code 99 124 JOLIETTE ST · MANCHESTER, NH 03102 | Other Fees | $12,500 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $1,060 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $82,868 | $79,223+4.6% | $102,460-19.1% | $74,478+11.3% |
| Participation rate | 61.1% | 74.8%-13.6pp | 76.5%-15.4pp | 67.2%-6.1pp |
| Annual return | 13.87% | 54.98%-41.1pp | 29.47%-15.6pp | 1370.56%-1356.7pp |
| Employer contribution / active EE | $1,466 | $2,363-38.0% | $3,025-51.5% | $2,626-44.2% |
| Participant deferral / active EE | $5,374 | $4,417+21.7% | $5,056+6.3% | $4,350+23.5% |
| Admin fee / account holder | $369 | $2,003-81.6% | $9,460-96.1% | $1,946-81.0% |